Ethos Field Underwriting Guide

Uninsurable scenarios

Please see the Underwriting and Product Guidelines at the beginning of this guide for a side-by-side view of product details and knockout conditions.

While nearly all applicants are insurable at Ethos, the following conditions may make customers ineligible for various policies available through Ethos:

| Terminal illnessˆ | HIV/AID€ | Uncontrolled diabetesˆ | Current confinement or admission to a hospita‘ | Pending criminal charges or conviction of a felony or multiple misdemeanors within the past two year | Disability requiring assistance with care and activities of daily livin | Hospitalization two or more times within the past six month | Unexplained weight change of greater than 15 pounds within the past six month | Hypertension with complications within the past two year | Any of the following diagnosed within the past two years: | Cance¯ | Mental/psychiatric condition | Stroke (all types¬ | Paralysi | Brain or nervous system disease or disorder, including Alzheimer’s disease, dementia, and Lou Gehrig’s disease (ALS¬

| Lung disease or disorde¯ | Liver disease or disorde¯ | Kidney disease or disorde¯ | Systemic Lupus (SLE¬ | Muscular dystroph¡ | Organ transplan® | Aneurys§ | Amputatioµ | Illegal drug us¸ | Alcohol and/or drug abuse

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